NIB HoldingsSTU:3GU 90 Median PS Value is €4.98 as of Jun. 29, 2026, which is 100% below its 10-year median of 1.14. GuruFocus rates STU:3GU with a GF Score™ of 90/100 and a GF Value™ of €4.73. The stock has 5 warning signs investors should review. Among 346 Insurance companies, NIB Holdings ranks better than 67.05% on this metric.
This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
Median PS Value is calculated as trailing twelve months (TTM) Revenue per Share times 10-Year median PS Ratio. NIB Holdings's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was €4.238. NIB Holdings's 10-Year median PS Ratio is 1.1751. Therefore, the Median PS Value for today is €4.98.
As of today (2026-06-29), NIB Holdings's share price is €4.12. NIB Holdings's Median PS Value is €4.98. Therefore, NIB Holdings's Price to Median PS Value for today is 0.83.
The historical rank and industry rank for NIB Holdings's Median PS Value or its related term are showing as below:
STU:3GU'
s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.83 Med: 1.14 Max: 1.56
Current: 0.83
During the past 13 years, the highest Price to Median PS Value of NIB Holdings was 1.56. The lowest was 0.83. And the median was 1.14.
STU:3GU's Price-to-Median-PS-Value is ranked better than 67.05% of 346
companies
in the Insurance industry
Industry Median: 1.005
vs STU:3GU: 0.83
NIB Holdings (STU:3GU) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
NIB Holdings's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
4.12
/
4.98
=
0.83
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
NIB Holdings Median PS Value Related Terms
NIB Holdings Median PS Value Historical Data
* Premium members only.
The historical data trend for NIB Holdings's Median PS Value can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
STU:3GU vs FNF, AXS, FAF: Median PS Value Comparison
For the Insurance - Specialty subindustry, NIB Holdings's Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
NIB Holdings Price-to-Median-PS-Value vs Insurance Industry
For the Insurance industry and Financial Services sector, NIB Holdings's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where NIB Holdings's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 1.1751.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. NIB Holdings's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was €4.238.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
NIB Holdings (STU:3GU) has a Median PS Value of €4.98 as of Jun. 29, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on NIB Holdings and its competitors. This is 337% above median its historical median of 1.14. Over the past decade, NIB Holdings' Median PS Value has ranged from 0.83 to 1.56. According to the industry distribution chart, NIB Holdings ranks #114 out of 346 companies in the Insurance industry, placing it in the top 32.9%.
Is NIB Holdings' Median PS Value too high?
NIB Holdings' current Median PS Value of €4.98 is 337% above median its 10-year median of 1.14. Over the past 10 years, this metric has ranged from a low of 0.83 to a high of 1.56. Based on the distribution chart, NIB Holdings ranks #114 out of 346 companies in the Insurance industry, which is above the industry midpoint. Overall, NIB Holdings has a GF Score™ of 90/100, reflecting its overall financial health beyond just this single metric.
How does NIB Holdings' Median PS Value compare to FNF and AXS?
According to the Insurance industry distribution chart, NIB Holdings ranks #114 out of 346 companies for Median PS Value. This puts NIB Holdings in the upper half of its industry. The industry median Median PS Value is 1.01. Historically, NIB Holdings' own Median PS Value has ranged from 0.83 to 1.56 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Median PS Value for an Insurance company?
The median Median PS Value among Insurance companies is 1.01, based on 346 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on NIB Holdings and its competitors. For the Insurance industry, the median Median PS Value is 1.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NIB Holdings's current Median PS Value is €4.98, which is 337% above median its own 10-year median of 1.14. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NIB Holdings stock overvalued right now?
NIB Holdings (STU:3GU) has a current Median PS Value of €4.98. The stock's GF Value™ is €4.73, compared to a current price of €4.12 — trading 12.9% below its estimated fair value. The current Median PS Value is €4.98, which is 337% above median its 10-year median of 1.14. NIB Holdings' overall GF Score™ is 90/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For NIB Holdings (STU:3GU), the current Median PS Value is €4.98 as of Jun. 29, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is NIB Holdings (STU:3GU) Overvalued in 2026?
Based on GuruFocus' analysis, NIB Holdings stock appears to be undervalued.
The current stock price of €4.12 is trading 12.9% below its estimated GF Value™ of €4.73.
Key valuation signals for STU:3GU:
Median PS Value: €4.98 (337% above median its 10-year median of 1.14)
GF Value™: €4.73 vs. price of €4.12 (12.9% below fair value)
No single metric tells the full story. See the STU:3GU stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
NIB Holdings is Australia's fourth-largest health fund. It is a national provider of private health insurance, life insurance, travel insurance, and related healthcare services, with a growing presence in New Zealand. Approximately 55% of the population is covered by private health insurance because of taxation benefits, shorter wait times, a choice of doctor and hospital, and cover of ancillary health services.
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